20.0185 expressed with 3 significant figures does not always mean to round to 3 figures.
Here is a good reference link http://www.usca.edu/chemistry/genchem/sigfig.htm
All non-zero digits are significant. All zeroes between two significant digits are significant. Zeroes not followed by a significant digit are not significant.
20.0185 has two zeroes and both are significant because they are between the 2 and the 1.
The 2 is significant because it is non-zero. Count the FIRST three significant digits from the left to the right. Do NOT round up or down.
This results in: 20.0